How is anyone safe without due process if I can't even prove my identity on a credit card application?
I have excellent credit, applied for an Apple Card, was turned down repeatedly; the reason they gave: they couldn't verify my identity. I have not been given a way to prove my identity.
I talked to customer service, including supervisors, at Goldman Sachs, all who gave me varying degrees of bad suggestions on how to deal with it. I even filed a complaint with the CFPB, including identity verification documents including my own copies of credit reports, and they just reiterated that they couldn't verify my identity. The only hint about what might be wrong is that they made innuendos that maybe something didn't match between my application and the credit reporting company information from Transunion. But I couldn't figure it out and they did not give me any way to remedy this situation at all, and no way to actually prove my identity.
Of course I found numerous errors in the identity portion of my credit report at Transunion. They have addresses that not only did I never live at, but they literally don't exist on a map and never have! They have "aka" names that jumble my names giving me similar versions of my name that never existed, except that occasionally I get sketchy junk mail with my name all jumbled or spelled incorrectly, so these iterations of my name are clearly being sold by data brokers and taken as gospel by Transunion.
And there's no reasonable way to fix this with a bank. I can't prove who I am, not even with legal government issued identification documents, because I'm not given that opportunity. I am completely at the mercy of the credit reporting company, Transunion, who has inaccurate information, and we all know how difficult it is to get these credit reporting companies to actually do the right thing and correct problems. I'm at the stage of sending physical mail to Apple, Goldman Sachs, and Transunion.
All this is just to apply for a stupid Apple credit card. And it's an application from someone with excellent credit. If you're a victim of mistaken identity with various authorities and there's no due process, you could be in deep trouble even if you are someone with means. You can have all the right identification documentation, but if nobody ever gives you a chance to present it, or if they decide to disregard your ID documents, then you are completely at their mercy if there's no outside legal law enforcement compulsion or pressure for the entity to give you due process.
The reality when there's lack of due process.